I have fwd both msgs to the above number! hope they are helpful. These are complete sharks and threatening ones at that

I just had a telephone call as well, from the same number but have been receiving txt msgs threatening bailiffs and visits to my work, written like this "we are due to VISIT your WORK TODAY TO STOP action please phone 01617381203 (obvs the same bods) and also, I am due to CALL to your address TODAY TO STOP yadayadayada. By the way, I live in Belfast, and we dont even have bailiffs over here!

Hi All, I would really appreciate your help here. I have a mortgage with Santander with a balance of around £22,000. I am paying my normal monthly payments now but earlier in the year missed 3 months payments, arranged over the phone to pay slightly more on top of my nmp, which after 6 months, the arrears would then be merged into my mortgage. Just before the 6 months were up, I got into diffs because a payday loan company cleaned out my account and I missed a payment. Santander sent a field agent out. He frightened hell outa me and got me to agree to pay £143 on top of my normal payment a month. My normal payment went out on Monday past but I cant physically pay the £143 extra and am freaking out now. Advice please someone!

Hi, as far as I know yes, I did, but am not actually sure as there has been that much taken out/refused from my bank account, I probably need to check my statements, dont I! DUH. My brain is in meltdown. Sorry

Hi All, its been a while since I was last on and have now set up a DMP to try and get things sorted out! I need advice regarding a bit of a weird situation. I have been getting calls, texts and emails from Mr Lender about a payday loan so I sent them the Telephone harrassment letter (have so may payday loans I have lost the will to live!) and got a reply today saying my outstanding loan with them is £832.94 and this should have been paid back in April this year (this is from an original loan of £250). The weird thing is this, I have a text message from them saved in my phone from 27.05.11 saying "We are pleased to confirm we have settled your account now for £745.50. If you require a reloan, please call our switchboard". Advice please as I have no idea what to do here!!!

Thanks, but what happens if I have an overdraft on my account at the minute, how does a switch work then?

Have kept the txt (+ others!) in a wee folder! mmmm. all of these guys seem to have the same protocol, some nastier than others. Quikquid involve Gothia - most of them seem fond of Fredrickson tho! Who are the nastiest of the bunch - I have fell into the trap of borrowing more and more until I owe most of my wages out, then when they take the money on payday - I claw it back from them plus a wee bit more! How in hell can I get out of this????? Started when I had to got to scotland urgently because grandad was dying, over a year ago now, and now it seems like my wages completely belong to someone else:dizzy:

Hi all, have been reading through everything on this thread and can see how easy it is to get bogged down with debt to these payday loan companies! Have been through all the things most people have posted! The only one i found strange was Mr Lender sent me a txt saying "we are pleased to confirm we have settled your account now for £745.50. If you require a reloan etc"??????? They have not taken any money out of my account and I cant understand this txt. Is this a sneaky way of getting me to contact them by phone? any advice greatly appreciated!

Thank you, letters gone: who knows what reply I will get to these :-0

Thanks happyhippy! I need all the luck i can get at the minute!!!!!

Does anyone have a proper address for freds rather than the PO box thing they give out, I havent got the letters with me in work! :@

Tingy and DD, thanks. Am in the process of sending letters from the CCCS to all my creditors regarding the dmp, when I send them this, do you think that will keep them off my back for a while?

Morning everyone! I think my luck has flown out of the window! Had a letter from Freds waiting on me when I went home yesterday stating that they are now acting for of the payday loans (txt loan) that I defaulted on! How much blood do they want??? Followed advice and emailed them the harassment letter but got an automated email back saying that all account queries have to go through the fredpay website, any advice on this? Much appreciated!

DD, thanks again. Will do that now! Cheers

Thank you all, am feeling a bit more positive now. Could play a song down the line with my mobile but that may upset the boss lol!!!!! Will do everything you suggest. Have just fielded the 6th call of the day and the guy at least had the grace to sound a "bit" embarrassed!!!!!! Hmph! Will keep you posted!

Thanks DD, thread started under Capital one by me.......

Tingy, thanks again. Am new to all this harrassment lark and apart from changing all my phone numbers (not possible in work!) cant think of anything to do until the new dmp starts!

Hi all, and thank you! So the general consensus is that it is not on for them to phone me at work, does this apply if it is a recorded message "this is an urgent message, please contact fredrickson international...." basically the same spiel as on a txt msg? Is this still considered harrassment? Also, I dont know if there was PPI attached to it and the card was issued in 2002 and the last time a payment was made was in December last year through a DMP, which is now cancelled. I am getting a new DMP at the end of the month through CCCS but want to try and keep everyone at bay until then! So stressed out, its not even funny!

Thank you for letting me muscle in on what is a well established post guys! Wasnt sure of the protocol but you all will keep me right. The card was issued in 2002, does that make a difference?

Hi Everyone, I am a new bod on here and replied to a thread on Fredrickson/Bryan Carter discussion which seems to be a biggie with loads of people! Am glad I am not alone and grateful for any help offered. Have been getting hassle from FI for a few weeks now regarding a cc with Cap1 who I owe 253 quid to and now they have started ringing my work fone (which is in a v.public office and anyone could answer!). Any advice on how to deal with these people (loosest sense of the term!) as they are starting to do my head in! So far this morning: 3 txts, 4 fone calls and 2 voicemails and still counting............

Hi Everyone on here, advice please!!!!! Have received numerous phone calls, txt msgs and now calls to my work fone (in large public office!!!!!) from Fred.int. and am getting rather freaked out also have been looking through previous threads and see that they are one and the same with the solicitors letters they send as well. Can anyone give me advice how to deal with this, an old Cap1 for £253 which is now being threatened with court action. Am completely green when it comes to debt and would appreciate ALL advice